Citrus County property record for 1768 E Ray St, Hernando, FL 34442 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2018 |
| Square Footage | 2,424 sqft Living Area |
| Lot Size | 166,835 sqft (3.82 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $314,900 (2020) |
| Tax Bill | $2,942.00 (2025) |
Source: Citrus County records · APN 2718S19E00201170
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1768 E RAY ST, HERNANDO, FL 34442-4931 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 05, 2022 | Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK |
| Aug 17, 2018 | Deed of Trust, Mortgage · Commercial Mortgage BRANNEN BANK |
| Jul 13, 2017 | Deed of Trust, Mortgage · Building or Construction Mortgage BRANNEN BANK |
| Apr 02, 2020 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Feb 14, 2017 | Warranty Deed, Transfer · Line of Credit CAPITAL CITY BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 02, 2020 · Amount on Record |
| Deed Sale | Apr 02, 2020 · Amount on Record |
| Prior Sale | Feb 14, 2017 · Amount on Record |
| Deed Doc Number | 2020017853 |
| Deed Book / Page | 3050 / 2411 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 1768 E RAY ST, HERNANDO, FL 34442-4931 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1768 E RAY ST, HERNANDO, FL 34442-4931 |
| Document Number | 0033390727 |
|---|---|
| Date | Dec 05, 2022 |
| Book Page | 3339/727 |
| Instrument | 2022080182 |
| Name | SEACOAST NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | STUART, FL 34995 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 21, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 1768 E RAY ST, HERNANDO, FL 34442-4931 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0029202426 |
|---|---|
| Date | Aug 17, 2018 |
| Book Page | 2920/2426 |
| Instrument | 2018041829 |
| Name | BRANNEN BANK |
|---|---|
| Type | Bank |
| Address | INVERNESS, FL 34451 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 13, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 1768 E RAY ST, HERNANDO, FL 34442-4931 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0028401772 |
|---|---|
| Date | Jul 13, 2017 |
| Book Page | 2840/1772 |
| Instrument | 2017032516 |
| Name | BRANNEN BANK |
|---|---|
| Type | Bank |
| Address | INVERNESS, FL 34451 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Jul 10, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Apr 02, 2020 |
| Property Address | 1768 E RAY ST, HERNANDO, FL 34442-4931 |
| Document Number | 0030502411 |
| Book / Page | 3050 / 2411 |
| Map Reference | MB 8 PG 16-18 |
| Instrument Date | Mar 30, 2020 |
| Instrument | 2020017853 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2021 |
| Title Company | COMPASS TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,204.30 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6544 E MOCKINGBIRD LN, 6544, INVERNESS, FL 34452-8544 |
| Name | Verified Name |
|---|---|
| Address | 1768 E RAY ST, HERNANDO, FL 34442-4931 |
| Document Number | 30502412 |
|---|---|
| Date | Apr 02, 2020 |
| Instrument | 3050/2412 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Feb 14, 2017 |
| Property Address | 1768 E RAY ST, HERNANDO, FL 34442-4931 |
| Document Number | 0028101291 |
| Book / Page | 2810 / 1291 |
| Map Reference | MB8 PG16-18 |
| Instrument Date | Feb 10, 2017 |
| Instrument | 2017006680 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2021 |
| Title Company | EXPRESS TITLE SVCS CITRUS IN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9501 OAK GROVE CIR, 9501, DAVIE, FL 33328-6942 |
| Name | Verified Name |
|---|---|
| Address | 6544 E MOCKINGBIRD LN, INVERNESS, FL 34452-8544 |
| Document Number | 28101293 |
|---|---|
| Date | Feb 14, 2017 |
| Instrument | 2810/1293 |
| Name | CAPITAL CITY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Citrus County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Citrus County |
| Unified School District | Citrus County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,942.00 (+4.77%) Homeowner's exemption Additional exemption filed | $350,468 (+10.93%) Land $95,810 Building $254,658 | $350,468 (+10.93%) Land $95,810 Building $254,658 |
| 2024 | $2,808.00 (+2.52%) Homeowner's exemption Additional exemption filed | $315,925 (-3.4%) Land $57,480 Building $258,445 | $315,925 (-3.4%) Land $57,480 Building $258,445 |
| 2023 | $2,739.00 (+6.91%) Homeowner's exemption Additional exemption filed | $327,028 (+19.62%) Land $53,650 Building $273,378 | $327,028 (+19.62%) Land $53,650 Building $273,378 |
| 2022 | $2,562.00 Homeowner's exemption Additional exemption filed | $273,387 Land $47,140 Building $226,247 | $273,387 Land $47,140 Building $226,247 |
Source: FEMA National Flood Hazard Layer, Citrus County (12017C), updated January 14, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Moderate above 47% of the US · above 18% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,471 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 2718S19E00201170 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,424 sqft Living Area |
| Stories | 2 Stories |
| Primary Flooring | Concrete/Cement Flooring |
| Year Built | Built 2018 |
|---|---|
| Architectural Style | Split Level Style |
| Exterior Material | Composition/Composite Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 166,835 sqft (3.82 acres) |
| Depth X Width | 635 ft x 264 ft Depth x Width |
| Patio Area | 88 sqft Patio |
| Porch | Open Porch |
| Porch Area | 400 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Account Number | 1623049 |
|---|---|
| Old Parcel Number | 2718S19E00201170 |
| Street Address | 1768 E RAY ST |
| City | HERNANDO |
| State | FL |
| Zip | 34442-4931 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HERCALA ACRES UNIT 2 PB 8 PG 16 LOT 117 DESC IN OR BK 338 PG 244 |
| Legal Range | 19E |
| Legal Township | 18S |
| Legal Section | 28 |
| Legal Subdivision | HERCALA ACRES UNIT 2 |
| Legal Tract | 117 |
| Legal Lot Number | 117 |
| Legal Unit | 2 |
| Jurisdiction | CITRUS FL |
| Minor Civil Division | INVERNESS |
| Census Blockgroup | 2 |
| Census Block | 2010 |
| Census Tract | 450705 |
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